tag:blogger.com,1999:blog-2599335030982762936.post5031845869494311709..comments2008-11-27T20:46:27.037-08:00Travhttp://www.blogger.com/profile/06334625913046575695noreply@blogger.comBlogger1125tag:blogger.com,1999:blog-2599335030982762936.post-19680728225769688112008-02-20T18:00:06.470-08:002008-02-20T18:00:06.470-08:00<I>For example, you will see that looking at ALL moderately seasoned lenders on Prosper (those with >20 loans and >6 month average loan age), the median projected ROI is around a mere 4.5%. That is close to what E-Loan is offering on its FDIC-insured, 100% liquid savings accounts. And the tax treatment of Prosper loans is also worse (for one thing, you have to pay income tax on the servicing fee that you pay Prosper due to the way it is collected).</I><BR/><BR/>Prosper seems to understate the work involved in getting anything near a reasonable return. The time it takes to understand the credit profiles and risks, and then the time it takes to actually find good loan listings.j9359http://www.blogger.com/profile/08906370485025971267noreply@blogger.com